1 Cross St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 1 Cross St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,763 sqft · built 1962
Lot Size	0.235 acres (10,245 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (May 2017)
Tax Bill	$8,129 (2025)
Deeds & Mortgages	May 2023 Refinance Jul 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20000000005A`

Property Details

APN / Parcel Number

Primary APN	`20000000005A`
Alternative APNs	`READ M:008.0-0000-0106.0` `M:008.0=0000=0106.0` `200000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,763 sqft Living Area
Gross Area	2,784 sqft
Basement Area	1,298 sqft
Unfinished Basement	909 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1968
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,245 sqft (0.235 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	20000000005A
Street Address	1 CROSS ST
City	READING
State	MA
Zip	01867-3637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3005
Census Tract	334400

Owner

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1 CROSS ST, READING, MA 01867-3637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 19, 2024	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Jun 1, 2020	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Aug 9, 2017	Quit Claim Deed, Transfer Quitclaim
May 26, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 26, 2017 · Amount on Record
Deed Sale	May 26, 2017 · Amount on Record
Deed Book / Page	69344 / 242
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	1 CROSS ST, READING, MA 01867-3637
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081598-435
Date	May 31, 2023
Book Page	81598/435
Instrument	57237

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	1 CROSS ST, READING, MA 01867-3637
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083023-439
Date	Jul 19, 2024
Book Page	83023/439
Instrument	79311

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	1 CROSS ST, READING, MA 01867-3637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74793-543
Date	Jun 1, 2020
Book Page	74793/543
Instrument	83482

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 9, 2017
Property Address	1 CROSS ST, READING, MA 01867-3637
Document Number	69748-352
Book / Page	069748 / 000352
Instrument Date	Aug 7, 2017
Instrument	127352
Transaction Type	Transfer
Record Updated	Aug 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CROSS ST READING MA 018673637, READING, MA 01867-3637

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 26, 2017
Property Address	1 CROSS ST, READING, MA 01867-3637
Document Number	69344-242
Book / Page	069344 / 000242
Instrument Date	Feb 25, 2017
Instrument	78939
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,416.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CROSS ST READING MA 018673637, READING, MA 01867-3637

Mortgage

Document Number	69344-244
Date	May 26, 2017
Book Page	069344/000244
Instrument	78940

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,129.00 (+2.99%)	$713,700 (+5.97%) Land $423,400 Building $290,300	$797,810 (+7.41%)
2024	$7,893.00 (-2.34%)	$673,500 (+4.92%) Land $399,200 Building $274,300	$742,805
2023	$8,082.00	$641,900 Land $380,200 Building $261,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Radiate Holdings.

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